London House Thames Road Crayford Kent DA1 4LS Paragon is authorised and regulated by the Financial Conduct Authority

Transcription

1 London House Thames Road Crayford Kent DA1 4LS Paragon is authorised and regulated by the Financial Conduct Authority

2 Contents Introduction... 3 Definitions... 4 Am I eligible for cover?... 5 What am I covered for?... 6 What am I not covered for?... 6 General Exclusions... 7 How do I make a claim?... 9 General Conditions Replacement Condition Transfer of Policy Financial Services Compensation Scheme Data Protection Act Making a complaint

3 Introduction This Policy document and the Certificate of Insurance should be read together as one document. Please keep these documents together in a safe place. It is important You read them carefully to make sure they meet Your needs. Please also check Your Certificate of Insurance carefully to make sure the information You have given Us is correct. You must tell Us if this information is wrong, or if it changes. You have responsibility to take reasonable care not to make a misrepresentation, should You be careless in answering the questions required to obtain a quotation and subsequently take out cover, or deliberately make a misrepresentation then it may be that this affects Our decision to pay a claim. If any of the information We have recorded is incorrect, or if You have got any questions about this Policy You should refer to Your insurance advisor. Provided your Premium is paid, and You adhere to the conditions of Your Policy, We will pay the agreed benefit in the event of a successful claim. We will only insure Gadgets that are: a. purchased as new in the UK or; b. purchased as refurbished in the UK direct from the manufacturer or network provider or; c. gifted to You as long as You are able to provide Proof of Purchase and; d. not more than 36 months old at the time the policy was purchased and You are able to supply Evidence of Ownership if requested. Thank you for choosing Building Block Insurance PCC Limited. Paul M Brierley Chief Executive 3

4 Definitions Please see below definitions of words and terms which are used in Your Policy wording. If We explain what a word means, that word has the same meaning wherever it appears in Your Policy or Certificate of Insurance. These words are highlighted in bold throughout Your Policy. Accessories: Any item that You may attach or connect to Your Gadget (for example: headphones). Accidental Damage: Physical damage caused by a sudden and unexpected event. This extends to include malicious damage, damage to screens and damage resulting from contact with water and other liquids. Accidental Loss: Means that the Gadget has been accidentally left by You in a location and You are permanently deprived of its use. Please note that this cover only applies to mobile phones. Administrator: The Administrator of Your Policy is Paragon Car Ltd who are authorised and regulated by the Financial Conduct Authority, firm reference no Breakdown: The failure of any electrical or mechanical component in Your Gadget due to a sudden and unforeseen fault, which causes Your Gadget to stop working in the way the manufacturer intended, and which requires repair or replacement before the Gadget can be used again. Please note that this cover does not apply to laptops. Certificate of Insurance: Means the document providing details of the cover You have selected. Claims Handler: Ryan Direct Group acting as the Claims Handler of Your Policy. Evidence of Ownership: A document to provide proof that the Gadget You are claiming for is owned by You. Such evidence may be any of the following (but not limited to) a copy of the receipt, a gift receipt or, (if the Gadget is a mobile phone), confirmation from Your network provider that the mobile phone has been used by You. Fraudulent Calls: Any calls made from Your Gadget after the time that it was lost or stolen, to the time that it was blocked by Your airtime provider. Gadget/s: The portable items insured by this Policy, which were purchased as new (or refurbished direct from the manufacturer or network provider) by You or gifted to You and being a; mobile phone (including iphone), ipad, tablet, phablets, satellite navigation unit, ipod, MP3 player, laptop, camera, portable DVD player, portable gaming consoles, or LCD monitor. Home: Your permanent residence shown on Your Certificate of Insurance. Immediate Family: Your mother or father, spouse or domestic partner, son or daughter (including son or daughter of Your spouse or domestic partner), who permanently resides at Your Home as shown on the Certificate of Insurance. Insurer: Building Block Insurance PCC Limited ( BBI ) with registered office at 1 Princess Elizabeth Street, Ta Xbiex XBX 1102, Malta. BBI is licensed and regulated by the Malta Financial Services Authority and is an authorised EEA insurer. You can check Our details by referring to the Financial Conduct Authority s Financial Services Register. Our reference number is Period of Cover: The period of twelve months stated in Your Certificate of Insurance. Policy / Insurance Policy: The contract of insurance between You and Us. Policyholder: The person/s named in the Certificate of Insurance. Precautions: All measures that it would be reasonable to expect a person to take in the circumstances to prevent Accidental Loss, Accidental Damage or Theft of Your Gadgets. 4

5 Premium: The amount You pay for the Policy. This is shown in Your Certificate of Insurance. Proof of Purchase: Means an original receipt and any other documentation required to prove Your Gadget was purchased as new, refurbished by the manufacturer, or as a gift, from a UK VAT registered company. This must show the date of purchase, make, model, IMEI/Serial number of Your Gadget. Your Gadgets must be less than 36 months old when the policy is started. Proof of Usage: Means evidence that the Gadget has been in use since Policy inception. Where the Gadget is a mobile phone, this information can be obtained from Your network provider. For other Gadgets, in the event of an Accidental Damage claim, this can be verified if requested by Us when the Gadget is sent to Our repairers for inspection. Replacement Item: An identical Gadget of the same age and condition or, if not available, one of comparable specification or the equivalent value - taking into account the age and condition of the original Gadget. For clarity, this is not a new for old policy and the replacement item can be a new or refurbished item of equivalent specification. Start Date: The date cover starts, as shown on Your Certificate of Insurance. Terrorism: Means any act, including but not limited to the use of force or violence of or the threat thereof, of any person or group of persons, whether acting alone or on behalf of or in connection with any organisation or government, committed for political, religious, ideological or similar purposes, including the intention to influence any government to put the public or any section of the public in fear. Theft: The unlawful taking of Your Gadget against Your will by another party, with the intent to permanently deprive You of that property, or burglary by forcible and violent entry, or the removal of Your Gadget by forcible and violent means against You. Unattended: Not within Your sight at all times, and out of Your arms-length reach. Virus: Means any Trojan horses, worms, logic bombs or any program or software which prevents the Gadget from working properly or at all. We, Us, Our: Building Block Insurance PCC Limited acting as Insurer, Paragon Car Ltd acting as Administrator, or Ryan Direct Group acting as Claims Handler. You, Your: The person, who owns the Gadgets and is either, named as the Policyholder on the Certificate of Insurance, or an Immediate Family member of the Policyholder. Am I eligible for cover? You are eligible for cover if: a. You are a permanent UK resident b. The Policyholder is over 18 years of age We will only insure Gadgets that are: a. purchased as new in the UK or; b. purchased as refurbished in the UK direct from the manufacturer or network provider or; c. gifted to You as long as You are able to provide Proof of Purchase and; d. not more than 36 months old at the time the Policy was purchased and You are able to supply Evidence of Ownership if requested. 5

6 What am I covered for? The maximum cover limit provided under this Policy is either 500 or 1000, this limit is inclusive of the Policy excess. For clarity this is an overall Policy limit, and is not per claim. The level of cover You have chosen will be shown on Your Certificate of Insurance. The Period of Cover is 12 months. A maximum of 2 claims can be made in any 12 month Period of Cover for the following risks (subject to the maximum in total for all claims as shown on Your Certificate of Insurance). Accidental Damage We will pay the costs of repairing Your Gadget as a result of Accidental Damage. If Your Gadget cannot be repaired then a Replacement Item will be provided by Us. Theft If Your Gadget is stolen We will provide a Replacement Item. Where only part or parts of Your Gadget have been stolen, We will only replace that part or parts. Accidental Loss If You lose Your mobile phone We will replace it with a Replacement Item. No other type of Gadget is insured for Accidental Loss. Breakdown We will pay repair costs if Your Gadget is damaged as a direct result of electrical or mechanical Breakdown occurring outside of the manufacturer's guarantee period. If Your Gadget cannot be repaired, We will replace it. This cover is not available on laptops. Worldwide Cover Your Gadget is covered for up to 90 days abroad within any 12 month Period of Cover. Replacement or repair can only be dealt with once You are back in the UK. Fraudulent Call Cover If Your mobile phone is accidentally lost or stolen and is used fraudulently, We will reimburse You for the costs up to a maximum value of 500 upon receipt of Your itemised bill. This is in addition to the Policy limit stated on your Certificate of Insurance. What am I not covered for? Your Gadget is not covered for: 1. Theft or Accidental Loss You will not be covered for Theft or Accidental Loss; a. From any motorbike or motor vehicle where You or someone acting on Your behalf is not in the vehicle, unless the Gadget has been concealed in a closed boot, locked pannier, closed glove compartment or other closed internal compartment, and all the vehicle's 6

7 windows and doors have been closed and locked, and all security systems have been activated. Damage must be caused by the thief, and evidence provided with Your claim; or b. From any building, land or premises, unless force, resulting in damage to the building or premises, was used to gain entry or exit, evidence of which must be provided with Your claim; or from Your control, except where it has been concealed either on or about the person and not left unattended, or the use of physical force or violence against the person has been used or threatened; or c. Where the Gadget has been left Unattended when it is away from Your Home; or d. Where the Gadget was in the possession of someone other than You at the time of the event; or e. For the first 25 of each Theft claim, or the first 50 of each Accidental Loss claim. 2. Accidental Damage or Breakdown You will not be covered for Accidental Damage or Breakdown caused by; a. You deliberately damaging or neglecting the Gadget; or b. You not following the manufacturer's instructions; or c. Routine servicing, inspection, maintenance or cleaning; or d. Loss or damage caused by a manufacturer's defect or recall of the Gadget; or e. Repairs carried out by persons not authorised by Us; or f. The first 25 of each Accidental Damage or Breakdown claim. 3. Fraudulent Call Cover We will not pay for any Fraudulent Calls, where the Theft or Accidental Loss of Your mobile phone has not been reported to Your airtime provider within 24 hours of the Theft or Accidental Loss occurring. 4. Repair or other costs for: a. Routine servicing, inspection, maintenance or cleaning; or b. A manufacturer s defect or recall of the Gadget; or c. Repairs carried out by persons not authorised by Us; or d. Wear and tear to the Gadget, depreciation, gradual deterioration of performance or damage caused by atmospheric or climatic conditions; or e. Cosmetic damage of any kind - including scratches, chips or dents; or f. Any damage caused by a Virus; or g. Any Gadget which has had its serial number tampered with in any way. General Exclusions Cover will not be provided for; 1. Any Gadget for which You cannot provide Proof of Purchase to prove your Gadget was purchased as new (or if refurbished purchased direct from the manufacturer or network provider), from a UK VAT registered company. This must show the date of purchase, make, model, IMEI/Serial number of Your Gadget. Your Gadgets must be less than 36 months old when the Policy is started; 2. This insurance only covers Gadgets bought and used in the UK. Cover is extended to include use of Gadgets anywhere in the world up to a maximum of 90 days in total, in any single 12 month Period of Cover, subject to any repairs being carried out in the UK by repairers approved by Us. 7

8 No cover is provided for claims if You are travelling to a country where the Foreign and Commonwealth Office (FCO) have advised against all but essential travel. You can check the latest FCO travel advice at 3. Your SIM card, or the Theft, Accidental Loss or Breakdown of a mobile phone or Gadget designed to use a SIM card if a SIM card registered to You was not in Your mobile phone or Gadget at the time of the incident; 4. Where all Precautions to prevent any loss or damage have not been taken; 5. Any expense incurred as a result of not being able to use the Gadget, or any loss other than the repair or replacement costs of the Gadget ; 6. The first 25 of each Theft or Accidental Damage claim, or the first 50 of each Accidental Loss claim; 7. Accidental Loss, Accidental Damage, Theft or Breakdown to Accessories of any kind; 8. Reconnection costs or subscription fees of any kind; 9. The cost of any Fraudulent Calls following the Theft or Accidental Loss of a mobile phone unless the Theft or Accidental Loss of the mobile phone has been reported to the airtime provider within 24 hours; 10. Accidental Loss where the circumstances of the loss cannot be clearly identified, i.e. where You are unable to confirm the time and place where You last had your Gadget; 11. Any claim if the Gadget has not been used after the Start Date of Your Policy; 12. Terrorism and war, invasion, acts of foreign enemies, hostilities whether war is declared or not, civil war, rebellion, revolution, insurrection, military or usurped power, confiscation, nationalism, or requisition or destruction or damage to property by or under the order of any government or public or legal authority; 13. Claims arising from damage or destruction caused by, contributed to, or arising from: i. Ionizing radiation or contamination by radioactivity from any nuclear fuel, or from any nuclear waste from the combustion of nuclear fuel; or ii. The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or component thereof. 14. Damage or destruction directly occasioned by pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speeds; 15. Any loss of or damage to information, data or software contained in or stored on the Gadgets whether arising as a result of a claim paid by this Policy or otherwise; 16. Any indirect loss or damage resulting from any event which caused a claim under this Policy. The only exception to this is Fraudulent Calls (up to a maximum of 500) provided the conditions stated in section i of the General Exclusions are met; 17. Liability of whatsoever nature arising from ownership or use of the Gadgets, including any illness or injury resulting from it; 18. Value Added Tax (VAT) where You are registered with HM Revenue and Customs for VAT; 19. Any Gadget that is not less than 36 months old (with valid Proof of Purchase) when the Policy is started. This insurance does not cover Gadgets purchased outside of the UK, or any Gadgets purchased second hand; 20. Your Gadget must be in good condition and in full working order prior to taking out this Policy. If there is evidence that the Accidental Damage, Theft or Accidental Loss occurred prior to the policy Start Date, Your claim will be refused and no Premium refund will be due. 8

9 How do I make a claim? If You need to make a claim, You should contact Us as soon as possible. Please follow these simple steps: 1. Notify the relevant people a. Report the Theft or Accidental Loss of any Gadget, within 24 hours of discovery, to Your airtime provider and blacklist Your handset. b. Report the Theft or Accidental Loss of any Gadget to the Police within 48 hours of discovery, and obtain a crime reference number (in support of a Theft claim), or a lost property number (in support of an Accidental Loss claim). c. Contact Ryan Direct Group By telephone: or by specialistclaims@ryandirectgroup.co.uk as soon as possible (and in any event within 7 days) of any incident in order to: (i) notify them and provide them with details of the incident likely to give rise to a claim under this insurance; and (ii) request a claim form. Note: If the incident occurred outside the UK, please notify Ryan Direct Group within 48 hours of Your return to the UK. 2. Gather information To process Your claim quickly, We will need information about the circumstances that led to Your claim. The information required will be detailed when You contact Us and may include any of the following: a) Police report/crime reference, where the claim is for Theft. b) Police report/lost property number, where the claim is for Accidental Loss. c) Evidence of ownership. d) Proof of purchase. e) Blocking confirmation from your network including date last used, where claim is for theft or loss. f) Photographic evidence of the damage to the Gadget where the claim is for Accidental Damage. 3. Submit your claim Please return the requested claim form as soon as possible, making sure: a. You have enclosed all the requested documents (and any additional information) to support Your claim. The completed claim form, Proof of Purchase and any additional information that may be required from You is to be returned as instructed by Ryan Direct Group. NOTE - If We replace Your Gadgets, the damaged or lost item becomes Ours. If it is returned or found, You must notify Us and send it to Us if We ask You to. Important: We will process Your claim under the terms and conditions of this Policy based on the first reason notified to Us for the claim. If Your claim is not covered and You then submit a claim having changed the reason, We will consider this as fraud. Details of all such cases will be passed to appropriate agencies for action. 9

10 General Conditions Applies to all sections of this Policy. 1. Keeping to the terms of the Policy We will only give You the cover described in the Policy if: a) You pay the Premium on the agreed date; and b) when making a claim You meet all of the conditions as far as they apply; and c) declarations made, information given to Us orally, electronically or in writing which form the basis of this Policy, are complete, accurate and true. 2. When the Policy and cover ends This Policy will end automatically at the earliest of the following events: a) The Period of Cover of Your Policy has completed. b) You stop paying or don t pay for Your Policy. c) You or We cancel the Policy. d) Claim payments have been made up to the maximum value of the Policy limit 3. Cancelling Your Policy You can cancel Your Policy within 14 days from: a) the day of the conclusion of the contract; or b) the day on which You receive the contractual terms and conditions, if that is later than the date referred to above. We will refund any Premium You have paid unless You have made a claim and settlement terms are subsequently agreed. After 14 days, provided that no claim has been made, You may cancel this Policy and receive a pro rata refund of the Premium paid for each unexpired months cover, calculated from the date the cancellation request is received by Us. We may cancel this Policy by giving You 30 days notice in writing where there is a valid reason for doing so. Valid reasons may include but are not limited to: a) If We suspect fraudulent activity. b) If You are not complying with the terms and conditions of the Policy. c) If You use threatening or abusive behaviour towards our staff or suppliers. A cancellation letter will be sent to You at Your last known address, and: a) any Premium You have paid for the period after the cancellation will be refunded to You; and b) We will pay any valid claim occurring before the cancellation date. If You choose to cancel Your insurance, simply return Your Certificate of Insurance marked cancelled to Your insurance advisor. 4. Fraud If You - or anyone acting on Your behalf - make a claim which is at all false or fraudulent, or supports a claim with any false or fraudulent document, device or statement, this Policy will be void and You will lose all benefit and Premiums You have paid for this Policy. In addition, We may recover any sums paid for any claim. 10

11 If You fraudulently provide Us with false information, statements or documents, We may record this on anti-fraud databases and We may also notify other organisations. 5. Choice of law All aspects of this contract of insurance - including negotiation and performance - are subject to English law and the decisions of the English courts. 6. Rights of Parties A person or company who was not a party to this Policy has no right under the Contracts (Rights of Third Parties) Act 1999 or any subsequent legislation to enforce any term of this Policy but this doesn t affect any right or remedy of a third party which exists, or is available, apart from such Act. 7. Other insurance If You have other insurance that provides the same or similar types of cover, You must tell Us when You make a claim. Replacement Condition This Policy is for replacement only, and is not a 'replacement as new' policy. If Your Gadget cannot be replaced with an identical item of the same age and condition, We will replace it with one of comparable specification or the equivalent value, taking into account the age and condition of the original item. The claim limit of Your Policy can be found on Your Certificate of Insurance. Transfer of Policy You cannot transfer this Policy to someone else without notifying Us in writing and receiving confirmation from Us. Financial Services Compensation Scheme If the Insurer is unable to meet their liabilities, You may be entitled to compensation from the Financial Services Compensation Scheme (FSCS). Further information about compensation scheme arrangements is available at by ing enquiries@fscs.org.uk or by phoning the FSCS on or Data Protection Act We use and collect Your personal data (such as Your name, address, date of birth) to arrange and administer Your insurance. We may also collect sensitive personal data (concerning Your physical and/or mental health) in the event of any claim. Your personal data is kept securely at all times and We do not keep Your information for any longer than We need to, after such time Your data will be securely destroyed. We may share Your personal data with selected third parties such as other insurers and credit reference agencies in order to verify Your identity and the information You supply to Us. We may also be required to share Your data with regulatory bodies and law enforcement agencies in order to 11

12 prevent fraudulent claims. We will not share or sell Your data to any third party for marketing purposes without Your consent. Your personal data will not be transferred outside the European Economic Area unless that country has an adequate data protection regime which safeguards Your personal data. You have the right to request the personal data We hold about You. To submit a subject access request please contact Us. A fee of up to 10 may be payable by You. Making a complaint If Your complaint is about the sale or Administration of this Policy, please contact: Customer Services Manager Paragon Car Limited London House Thames Road Crayford Dartford Kent, DA1 4SL Info@Paragon-uk.net or Telephone: If Your complaint is about a claim please contact: Customer Relations Department Ryan Direct Group PO Box 1193 Doncaster DN1 9PW If You remain dissatisfied after following the above complaints procedures in full, in relation to matters concerning the Policy sale process or any other aspect of service that You have received, You can ask the Financial Ombudsman Service to review Your case. Their address is: The Financial Ombudsman Service Exchange Tower London E14 9SR Telephone: or Web: Using this complaints procedure or referral to the Financial Ombudsman Service does not affect Your legal rights. If Your complaint is about the Policy please contact: Complaints Manager Building Block Insurance PCC Limited 1 Princess Elizabeth Street Ta Xbiex Malta XBX complaints@buildingblockpcc.com 12

13 J /2016 Telephone: If You remain dissatisfied after following the above complaints procedures in full in relation to matters concerning the Policy You can ask the Consumer Complaints Manager to review Your case. Their contact details are: Consumer Complaints Manager Malta Financial Services Authority, Notabilie Road, Attard, BKR3000, Malta Web: Telephone: (overseas call charges apply) Building Block Insurance PCC Limited 1 Princess Elizabeth Street, Ta Xbiex, Malta, XBX1102 Calling from the UK Calling from outside the UK (+44) This Gadget Insurance Policy is underwritten by Building Block Insurance PCC Limited ( BBI ) and administered by its authorised representative Paragon Car Ltd. Building Block Insurance PCC Limited is a protected cell company authorised by the Malta Financial Services Authority to carry on general insurance business and the non-cellular assets of BBI may be used to meet losses incurred by any of its cells in excess of their cellular assets. No recourse may be made by You however in connection with any losses relating to this Policy against the cellular assets of any protected cell of BBI. Building Block Insurance PCC Limited, is a registered company, with registration number C